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KeyPoint’s checking and savings products keep pace with your thriving business.
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Savings, Money Market & Certificates

Your business thrives because it adapts to a changing economy. Part of your readiness plan includes having money available to you when you need it, while earning compound interest when you don’t. KeyPoint Credit Union’s business savings accounts, money market accounts and certificates offer varying degrees of liquidity with various dividend-earning rates. 

Business owners in the Bay Area and Silicon Valley will benefit from business savings accounts and other savings options to establish emergency funds for the future. 

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    • Features
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Which Business Savings and Business Certificate account is right for you?

  Basic Business Savings Regular Business Money Market Savings Business Certificates of Deposit
Account Description For maximum liquidity and a low daily balance. A Business Money Market account that offers you liquidity and earns higher yields on higher balances.

KeyPoint Business Certificates offer a wide range of terms between 1-84 months.

Check Writing    

Interest Rate

View rates View rates View rates
Minimum Opening Deposit $100 $1,000 $1,000

Monthly Service Fee

Free with minimum daily balance of $100 or a $5 monthly service fee Free with a minimum daily balance of $1000 or a $10 monthly service fee N/A
Account Benefits
  • Make up to six electronic withdrawals per month at no cost.
  • Unlimited withdrawals at any KeyPoint branch, ATM, or via check request over the phone.
  • Tiered interest rates that pay more as your balance increases.
  • Check-writing privileges*.
  • Overdraft protection when this account is linked to a business checking account.
  • ATM access with a Business ATM card.
  • Savings for future business needs.
How to Apply Send an online request, call us at (408) 731-4301 or visit a branch.
Business Services Department Hours:  Monday-Thursday: 9:00 am-5:00 pm; Friday: 9:00 am-6:00 pm.

* Maximum of three checks written in a one-month period.

Free Additional Features
24/7 Support Get helpful answers from real people by calling (888) 255-3637, or initiate an online Live Chat discussion with a live representative. We're here for you 24 hours a day, every day of the year.
Online Banking
  • Designate and authorize multiple account users
  • Set specific authorizations for each user
  • Pay bills
  • Manage and view your account transactions through QuickBooks™ or Quicken®
  • Check Images: View copies of cleared checks
  • e-Statements: Go Green! Get your monthly statement delivered electronically
CO-OP Free ATMs Enjoy fee-free access to more than 30,000 CO-OP ATMs across the nation.
Shared Branch Network Make deposits, withdrawals and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.
Savings Rates
Rates Effective: 4/3/14
Savings Account BalanceDividend RateAnnual Percentage Yield (APY)
Less than $1000.05%0.05%
$100 to $2,499.990.05%0.05%
$2,500 to $9,999.990.05%0.05%
$10,000 to $24,999.990.05%0.05%
$25,000 to $49,999.990.05%0.05%
$50,000 or Greater0.10%0.10%
Money Market Rates – Business
Rates Effective: 4/3/14
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $2,499.990.05%0.05%
$2,500 to $9,999.990.05%0.05%
$10,000 to $24,999.990.10%0.10%
$25,000 to $49,999.990.25%0.25%
$50,000 to $99,999.990.30%0.30%
$100,000 or Greater0.30%0.30%
Share and Traditional/Roth IRA Certificate Rates (Individual & Business)
Rates Effective: 4/3/14
Certificate Rates (Individual & Business)TermDividend RateAnnual Percentage Yield (APY)Annual Percentage Yield (APY) w/ DD*
Minimum Balance $1,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $10,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $25,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $50,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $100,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%

Savings & Certificate Account Disclosures:
Savings accounts have a variable rate, and certificate accounts have a fixed rate

Money market account with balances under $1,000 earn the regular share rate. 

All dividends are compounded and paid quarterly, except certificate accounts which are compounded and paid quarterly and/or at maturity. 

* Direct Deposit rate increase is for initial opening deposit only and does not apply to certificate renewal/rollovers. Failure to maintain net direct deposit during the term of certificate will reduce the rate by .10% APY. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to principal balance. Early withdrawal penalties apply. Rates are subject to change without notice. Please call (888) 255-3637 with any additional questions.

APY = Annual Percentage Yield. Rates subject to change without notice.

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).